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Truck Insurance Non-Trucking Coverage Quote--Tennessee--Memphis | Nashville | Knoxville | Chattanooga | Clarksville

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Thomas Wilson Group, LLC specializes in truck insurance coverages in Tennessee.  Some of the cities we specialize in are Memphis, Nashville, Knoxville, Chattanooga, Bristol and Clarksville.

As an independent owner-operator, your truck is your livelihood. You want to make sure it’s protected with truck insurance at all times. When you’re under permanent lease to a motor carrier that provides your primary liability coverage, you could benefit from our Non-Trucking Liability insurance with unlimited radius while using your truck for any personal or non-business purpose.


Non-Trucking Liability insurance can pay for medical and associated expenses for injuries or even death that you cause to other people or for any damage caused to other peoples' property.



Full Protection With Physical Damage

Typically, a motor carrier will provide primary liability insurance coverage for owner-operators but does not provide physical damage coverage. This means you need to purchase physical damage coverage for your truck insurance on your own. Physical Damage coverage protects you whether or not you’re under dispatch in the event of a total loss or if your truck is damaged by a collision or overturn, theft or natural disaster. With Non-Trucking Liability and Physical Damage coverage for your truck, you can be sure you’re fully protected.

Bobtail Insurance or Non-Trucking Liability Insurance


Non-Trucking Liability insurance is sometimes called bobtail insurance. However, bobtail insurance may not be the same thing as Non-Trucking Liability insurance. Bobtail insurance typically protects a tractor when it's being operated without a trailer, regardless of whether or not it's under dispatch. Our Non-Trucking Liability insurance could help protect your tractor while it's operated under permanent lease to the motor carrier that provides your primary liability insurance, regardless of whether or not it's pulling a trailer.


Competitive Rates for Non-Trucking Liability Insurance

We know you're always on the look-out for better rates on truck insurance. And we have them, especially for high-value vehicles with proof-of-prior insurance. Our Physical Damage rates can be as low as 1.5% of your vehicle’s stated amount. And remember, our Physical Damage rates are primary and coverage applies whether you are under dispatch or not.



Non-Trucking Liability Insurance Example

You're driving your truck for personal reasons when you sideswipe a car in the lane next to you. You're also under permanent lease to the motor carrier that provides your primary liability coverage.


No one is seriously injured, but the side of the car is scraped and the driver has a large bump on her forehead from where she banged it on the window.


Your regular Liability insurance won't cover this accident since you were off duty when it happened. Your Non-Trucking Liability insurance, however, could protect you.


If you chose limits of $500,000/$1,000,000/$200,000, your Non-Trucking Liability would pay for:

  • The other driver's medical bills to have the lump on her head checked out, up to $500,000.

  • The repairs to the other car, up to $200,000.

Since none of the expenses incurred in this accident exceed your limits, your truck insurance would cover the all of these costs.


Non-Trucking Liability Insurance Exceptions and Restrictions

Non-Trucking Liability insurance coverage does not apply when you are pulling a loaded trailer, operating on behalf of a trucking company, or using a vehicle for any revenue generating purpose. These types of activities are covered by primary liability insurance. If a motor carrier is providing your primary liability insurance, this coverage will not apply when you are not under dispatch and you'll need Non-Trucking Liability coverage. Non-Trucking Liability insurance can only be purchased if Physical Damage insurance is selected.


Non-Trucking Liability insurance is not available on policies with an FHWA (federal/ICC), MCS-90, SR-22 or state filing, for businesses whose primary function is to haul garbage or trash, and for certain vehicle types. Other Non-Trucking Liability insurance restrictions may apply.


Providing commercial truck insurance in TN, AL, MS, FL, TX, and many more.

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